UPI Subject Matter Expert - Functional Consultant

Role Overview:

We are looking for an experienced UPI Issuer Functional Consultant with strong expertise in digital payments and banking systems. The ideal candidate should have hands-on experience in UPI Issuer modules, NPCI certification processes, bank-side transaction validations, and mandate management.

Key Responsibilities:

• Handle end-to-end UPI Issuer modules including customer onboarding, mandate management, and transaction processing.
• Work on bank-side transactional validations and UPI workflows.
• Configure and manage Payee and Payer mandate setups.
• Coordinate with internal teams, banks, and external stakeholders for NPCI certification, compliance, and UDIR reporting.
• Understand and implement NPCI Operating Circulars (OCs) and procedural guidelines.
• Support UPI integrations with Issuer, Acquirer, and PSP systems.
• Work closely with technology, operations, compliance, and business teams for successful implementation and issue resolution.
• Manage and support Hardware Security Module (HSM) integration for secure transaction processing and cryptographic operations.
• Participate in testing, certification, deployment, and production support activities.
• Ensure compliance with banking and NPCI regulatory standards.

Required Skills:

• Strong functional understanding of UPI ecosystem and payment flows.
• Hands-on experience in UPI Issuer implementations.
• Experience with bank-side transactional validations.
• Knowledge of NPCI certification processes and compliance requirements.
• Experience in mandate management and MCC mapping.
• Familiarity with UPI Acquirer and PSP systems.
• Understanding of HSM integration and security concepts.
• Exposure to UDIR reporting and NPCI Operating Circulars (OCs).
• Strong stakeholder management and communication skills.

Preferred Qualifications:

• Experience working in banking or fintech organizations.
• Exposure to mobile banking projects (minimum 2 projects preferred).
• Knowledge of digital payments, reconciliation, and settlement processes.
• Ability to work in a fast-paced production support and implementation environment.